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You can login to your Windows 10 using a Microsoft account without entering the password, but be aware that doing so expose it to be stolen by malware in the future. You can follow the instructions in the link below.

I have not used any log-in password for my main-screen or O/S of my computers since Windows 98, and then that only lasted a month or 2. From reading above, and all of the Windows 10 blah, blah, will I still be able to use my Yahoo email (I don't care what you say about it) transferred directly as is, because it has several years of old and current important documents in there. This includes records of bills payed and Government contacts, as I am a pensioner that needs to keep all of these. I have never set up any other Windows email accounts on the Windows 8.1, as they wanted everything from your dogs name to your mothers maiden name, and I wanted to keep this one.

When (now, highly becoming if) I decide to migrate across to Windows 10, do I need to use passwords, will I lose any accounts, from email to facebook or others? Do I need a Windows "in the clouds?" what ever that is accounts? Call me silly, or just plain old, but I set my Windows 8.1 to Classic Shell to get away from all of those extra Cubes / boxes / Metro screens / etc, so will I be presented with those again?

Microsoft auto help seems useless, and gives you 6 links to often unrelated answers when you need to know something, or they decide that they should charge you a fee to explain, or perform, what should be part of their job as makers and distributors of their upgraded programs. This is not a simple "click your heels, spin around and all is done" project for many of us.

To this day, I do not even have that icon in the tray to say that I can up-Grade if I wish, and their sites just gush with (their own) glowing reports on how great this whole thing is.

Acer Computer with LG Monitor and Toshiba Laptop with Windows 7.1

Windows 64bit 8.1 - Always fully updated

Firefox / Google Chrome / Internet Explorer Browsers

Usually a home helper here or with friends and nimble fingered ladies who would rather sew or dust, but not clean the bugs out of a computer ...

Just use a password, I know autologin is more convenient but it comes with the cost of security. If your brain can't deal with a password then don't use a computer as things like forums, emails also benefit from passwords. It takes an extra step but big whoop, an extra 5 seconds is nothing compared to a unsecured system.
Just don't blame me if someone cracks into your system and steals things like your banking info

When (now, highly becoming if) I decide to migrate across to Windows 10, do I need to use passwords, will I lose any accounts, from email to facebook or others? Do I need a Windows "in the clouds?" what ever that is accounts?

You can always create a local account on your Windows 10 (that is not your Microsoft account) and enable autologin on it. It's not that dangerous compared to enabling the autologin on a Microsoft account.

Slightly beyond what I relate to; Do you know what I meant by "never used a password in all current and previous versions". Your reply is You can always create a local account on your Windows 10, that I do not relate to in any way. You must have used earlier versions of Windows (I have seriously been a user since Win 98) where you just hit the ON button for the computer after it has been turned off all night, or even for 2 or 3 days, as I often do, then restart (reboot?) in the next morning that I want to use the computer, whether that is Online or Offline (I may just want to play an installed card game or similar) but I will often not go online for several days at all.

You seem to be saying that you normally sign On line, to start the system ?

You may remember in Dial-up days, logging on-line was a rare event, not like now where a modem is left on 24 - 7.

@ Madman -

1) I turn the computer and the modem OFF each night at the wall, and only start it when I want to play a game, {of which many are installed} to look up information, or to visit a forum for help, are you one of these people who leaves yours on 24 - 7, I am not ! !

2) Passwords are used for all online works while antivirus / antimalware / firewalls are on real time all time and updated daily, if I use the computer is used..

3) A password is not always used or needed to start a computer, if you know what you are talking about.

Acer Computer with LG Monitor and Toshiba Laptop with Windows 7.1

Windows 64bit 8.1 - Always fully updated

Firefox / Google Chrome / Internet Explorer Browsers

Usually a home helper here or with friends and nimble fingered ladies who would rather sew or dust, but not clean the bugs out of a computer ...

One's computer, one's User Account on it, should be Password Protected. No question.

That said, one can tell the machine not to ask for it when booting. It, still, has one, just won't require it being entered. Obviously, this is not advised if there is any chance someone else might use your machine including & especially mobile units.